March Featured Resource: Value Line Research Center

Value Line Research Center provides financial information on stocks, industries, mutual funds, options and convertible securities as well as special situation stocks.

Included in our Subscription

  • Value Line Investment Survey provides comprehensive investment research, data, expert analysis, and commentary for virtually every investor. Every week, about 135 stocks in seven or eight industries are covered.
  • Value Line Investment Survey – Small and Mid-Cap covers approximately 1,800 additional, mostly small-capitalization, issues. It features consensus earning estimates for many companies, a business description, including recent corporate developments, and Value Line’s Performance Ranks, designed to predict relative price performance over the next six to 12 months. The publication does not include analysts’ commentaries.
  • Fund Advisor monthly report contains a comprehensive, tabular index of more than 800 key funds grouped by category, with more than 24 specific data points and performance indicators for each fund.
  • Value Line Daily Options Survey provides daily evaluations and ranks on about 200,000 options, 80,000 longer-term options (LEAPS), and more.
  • Value Line Special Situations Service offers more aggressive managers and individual investors recommendations on emerging growth stocks with exceptional long-term capital gains potential.
  • Value Line Convertibles Survey provides a unique, systematic approach to assessing the performance of convertibles, showing which convertibles make the best buys.

In addition, this resource provides users free delayed stock quotes, company news, extensive graphing, and market updates.

Access Restrictions: Limited to 3 simultaneous users at a time. Select sign out (top right corner) when finished.

Money Smart Friday – Protect

Money Smart Week is drawing to a close. So far, we’ve shared tips and resources for earning, borrowing, saving, investing, and spending money. Today, we’ll talk about protecting yourself and your financial situation.

MyMoney FiveWhat does it mean to protect your money? First, you want to be prepared for emergencies by accumulating savings, purchasing adequate insurance, and planning for the future with documents like a will. Second, be aware of scams and protect yourself from people who would try and take your money from you. Lastly, keep good records of all financial documents. Here are some things to remember:

  • Review all financial statements and bills and question any unusual charges.
  • If something seems “too good to be true” it probably is.
  • Think twice before you share your personal information like social security number, bank account numbers, passwords, birth date, etc.

Use these resources to help you do what it takes to protect your finances and be Money Smart.
(Resources with * require you to enter your SWAN username and password for off-campus access. Resources with + are calculators available on library resource RIA Checkpoint. To access these, start at the library homepage, click “R” in the alphabetical list, scroll down and click RIA Checkpoint, then click “Tools”)

Plan for the future
Homeowner’s and Renter’s Insurance tips
Help with Health Insurance
Financial Readiness: As critical as fully charged batteries
How to bounce back from five of life’s biggest financial emergencies
One day you’re going to die; here’s how to prepare for it
Life expectancy +
Savings goals +
Funding your dreams generation to generation: intergenerational financial planning to ensure your family’s health, wealth, and personal values (ebook) *

Financial records
Managing household records
How long should you keep your financial documents?
How to organize your records in case of an emergency

Fraud and theft protection
Protect yourself and recover from Identity Theft
Scam alerts (from the Federal Trade Commission)
Use this IRS form to stop tax refund fraud in its tracks
Identity theft poses extra trouble for children
Identity theft (online video) *

We hope you’ve enjoyed Money Smart Week and learning about the MyMoney Five principles. If there’s anything we missed or you’d like to know more about, just let us know in the comments here, on Facebook, or on Twitter.

Money Smart Thursday- Spend

Now that we’ve learned about earning, borrowing, saving, and investing our money, it’s time to talk about spending it. Spend is the fourth of the MyMoney Five principles.

Of course, spending money is easy, at least for many of us. But how easy is it to be Money Smart about our spending? Here are some guidelines to follow to help you manage money wisely:

  • Live and spend within your means
  • Compare prices and quality before making a big purchase (or even a small one)
  • Keep track of your spending with a budget
  • Make long and short-term goals and make sure your purchases doesn’t detract from those goals

MyMoney FiveEasier said than done, though, right? Check out these resources to help you put these guidelines into practice.
(Resources with * require you to enter your SWAN username and password for off-campus access. Resources with + are calculators available on library resource RIA Checkpoint. To access these, start at the library homepage, click “R” in the alphabetical list, scroll down and click RIA Checkpoint, then click “Tools”)

You Need a Budget– Cloud based budgeting software available FREE for college students
Adult budgeting 101: How to create your first budget in the real world
CNN Money 101 Lesson 2: How to Budget
The Best Apps for Budgeting your Cash
Home Budget calculator +
Student Budget calculator +
Student budget calculator +
The Budget Kit: The common cent$ money management workbook (ebook)*

Track your Spending
Mint Free online financial tracker
Spending Diary Simple online spending tracker
Review: Apps to Track Income and Expenses
Assessing how you manage money: Money Basics online tutorial

Compare prices and quality
The 10 best shopping apps to compare prices
How to save the most money on your grocery budget with a price book
Five Ways to Save Serious Money on Car Repairs
Consumer Reports *
Consumer Reports Buying Guide *

Hopefully, we haven’t sucked all of the fun out of spending money. Rather, we hope you’ve learned how to get the most out of each dollar so that you can continue saving towards all of your financial goals, like that summer vacation!

Come back tomorrow for tips on protecting your money so that it’s there for you when you need it.

Money Smart Wednesday- Save & Invest

We’re halfway through Money Smart Week and so far we’ve covered earning and borrowing money. Today’s MyMoney Five principle is Save & Invest.
MyMoney Five

Responsible saving is the best way to prepare for life’s emergencies and unexpected events as well as for big planned purchases and events like retirement or childcare. Wise investment of your funds can help your money grow. Here are some keys to saving and investment success:

  • Make saving a habit. Make a commitment to set aside a portion of your paycheck each period.
  • Set different savings goals: Emergency savings; short-term goals (vacation, down payments); and long-term goals (retirement)
  • Get qualified, professional advice on investment planning.
  • Shop around to find a bank account that meets your needs.

Below are some resources to help you make the most of your money through saving and investment.
(Resources with * require you to enter your SWAN username and password for off-campus access. Resources with + are calculators available on library resource RIA Checkpoint. To access these, start at the library homepage, click “R” in the alphabetical list, scroll down and click RIA Checkpoint, then click “Tools”)

Set a Goal: What to Save For
Ready. Save. Grow (from the U.S. Department of the Treasury)
Savings Fitness: A guide to your money and your financial future (from U.S. Department of Labor)
Checking and Savings bank account comparison tools from
How to start saving for a home down payment
Emergency Savings Calculator +
Cool Million. What will it take to save one million dollars? +
Savings Goal calculator. Find out what it will take to reach your savings goal +
The Million Dollar Car and $250,000 Pizza: How every dollar you save builds your financial future (ebook)*
TEDTalks: Shlomo Benartzi- Saving for tomorrow, tomorrow (online video) *

Protect your money: Check out brokers and investment advisers (from U.S. Securities and Exchange Commission)
myRA: New Retirement Savings Account offered by the U.S. Department of Treasury beginning late 2014
Investment comparison tools, articles, and calculators from
Investment Returns calculator +
The first time investor’s workbook: A Hands-on guide to implementing a successful investment plan (ebook) *
The New Scrooge Investing: The bargain hunter’s guide to thrifty investments, super discounts, special privileges, and other money-saving tips (ebook) *
Saving and Investing (online video) *

Do you have a saving or investment strategy that works for you? How do you stay on track for your goals? Let us know in the comments here or on Facebook or Twitter. Check back tomorrow for tips on the most fun part about being Money Smart: spending!

Money Smart Tuesday- Borrow

Yesterday we learned about the Earn principle and shared resources related to salaries, taxes, and benefits. Today is all about the Borrow principle.
MyMoney Five


Even after you’ve maximized your income and benefits, you may still find yourself in a position needing extra funds for big purchases like a house, a car, or that education you need to further your career. Borrowing money is an appropriate options, but it is a big responsibility and it requires you to be money smart. Here are some things to keep in mind:

  • When you repay a loan, you also pay interest. The longer it takes to repay a loan, the more interest you will pay over time.
  • Different lenders charge different interest rates and fees. Shop around to find the best deal.
  • Your ability to borrow money depends on your credit history, or your record of repaying loans.
  • Paying bills on time can improve your credit score
  • Protect your credit information to prevent identity theft
  • By law, you are entitled to receive a free copy of your credit report every 12 months.

Here are some resources to help you maintain a strong credit history and be Money Smart when Borrowing.
(Resources with * require you to enter your SWAN username and password for off-campus access. Resources with + are calculators available on library resource RIA Checkpoint. To access these, start at the library homepage, click “R” in the alphabetical list, scroll down and click RIA Checkpoint, then click “Tools”)

All about credit: history, scores, and reports
How Credit Scores Affect the Price of Credit and Insurance (from Federal Trade Commission)
Consumer’s Guide to Credit Reports and Credit Scores (from the Federal Reserve) The ONLY site you should go to get your free credit report.
The Ten Most Common Myths About Your Credit Score
How to Build Your Credit from Nothing in Six Simple Steps
10 Ways You Can Improve your Credit Score Right Now
Credit Assessment calculator +
The Insider’s Guide to managing your credit (ebook)*
Taking Credit: Understanding Loans, Credit Cards, and Other Debts (streaming video)*

Types of credit: mortgages, credit/charge cards, auto and student loans
Dealing with Debt (from Federal Trade Commission) Go here to compare lenders’ rates for mortgages, auto loans, and credit cards.
Calculators from Mortgage, Credit Cards, Auto Loans
Student loan calculators (from US Department of Education)
5 tips: Shopping for a mortgage (from Federal Reserve)
Consumer’s Guide to Credit Cards (from Federal Reserve)
Mortgage confidential: What you need to know that your lender won’t tell you (ebook)*

Managing debt
Student Loan Repayment Plans
The Complete Idiot’s Guide to Beating Debt
Life After Debt: Free yourself from the burden of money worries once and for all (ebook)*
Personal Debt Consolidation calculator +
Rolldown your Credit Card debt! calculator +

Do you have any tips for Money Smart borrowing? Share them in the comments here or on Facebook or Twitter. Check back tomorrow when we’ll talk about Saving & Investing.

Money Smart Monday- Earn

Happy Monday and welcome to our first Money Smart post, with resources related to the first of the My Money Five principles: Earn.

MyMoney FiveWhat do you need to know about earning money? It’s not all about that hourly or yearly number. To be Money Smart it’s important to understand all the details of your paycheck, workplace benefits, and what steps you can take to increase your pay through training and education.

Key terms from the IRS:

  • Wages- Compensation received by employees for services performed. Usually, wages are computed by multiplying an hourly pay rate by the number of hours worked.
  • Salary- Compensation received by an employee for services performed. A salary is a fixed sum paid for a specific period of time worked, such as weekly or monthly.
  • Taxes- Required payments of money to governments that are used to provide public goods and services for the benefit of the community as a whole.
  • Payroll taxes- Include Social Security (or FICA) and Medicare taxes
  • Withholding- Money, for example, that employers withhold from employees paychecks. This money is deposited for the government. (It will be credited against the employees’ tax liability when they file their returns.) Employers withhold money for federal income taxes, Social Security taxes and state and local income taxes in some states and localities.

Online resources:
(Resources with * require you to enter your SWAN username and password for off-campus access)

About your paycheck
Tax Withholding Calculator
Jobs & Making money
Salary comparison tools: and
When your income drops

Calculators available on library resource RIA Checkpoint*:

  • Payroll deduction analyzer
  • 1040EZ estimator
  • How important is Social Security?
  • Net Worth Calculator

(To access these, start at the library homepage, click “R” in the alphabetical list, scroll down and click RIA Checkpoint, then click “Tools”)

Workplace benefits
Top 10 Ways to Make your Health Benefits Work for You
Social Security, Medicare, and Pensions: Get the most out of your retirement and medical benefits (ebook) *

Job training and education
Get Help Paying for College
Lifelong Learning (streaming video) *
Career LibGuide

What else do you need to know about your earnings? Post your questions in the comments here, or on our Facebook and Twitter accounts.

How Money Smart are you?

Each day during Money Smart Week we’ll be bringing you resources and tips on becoming and staying Money Smart. We’ll follow the MyMoney Five principles for managing your money, each day focusing on a different principle. The Five Principles are: Earn, Borrow, Save & Invest, Spend, and Protect.

MyMoney Five

Before we delve too deeply, though, we need to figure out how much we already know. Try your hand at the quizzes below to see where you stand on each of the MyMoney Five.

Earn– More than just that figure on your paystub, the Earn principle includes taxes, workplace benefits, and job training and education to increase your income.
Borrow– Borrowing money is often the only way to obtain big purchases like cars, houses, and a college education, but borrowing too much can be detrimental to your financial health.
Save & Invest– A little money can turn into a lot with savvy savings and investment strategies.
Spend– You have to spend money sometimes, but you can learn to do it the right way by shopping around.
Protect– Protect yourself from financial emergencies with the right insurance and sufficient savings.

Don’t worry. You’re not being graded, and we won’t know your score. But you can let us know how you did in the comments here on the blog or on our Facebook and Twitter accounts. Which principle did you know the most about? Which quiz was the most difficult for you?

Welcome to Money Smart Week


Tomorrow marks the official start of Money Smart Week, a public awareness campaign started in 2002 by the Federal Reserve bank in Chicago to help consumers better understand and manage their personal finances.

Throughout Money Smart Week we’ll be bringing you resources and tips on becoming and staying Money Smart. In addition, there are a number of events in the surrounding area to get you in the Money Smart mood. Below is a sampling of some of the events. You can go here to find more near you:

Saturday, April 18
Money Smart Week Greater Atlanta Community Kickoff 9:00am – 1:00pm
iBuild Wealth Workshop covers all areas of personal finance, building wealth and leaving a legacy. For adults, young adults and youth ages 13 and up. Registration Required:
Impact Event Center
2323 Sylvan Road East Point, GA 30344

MoneySmart Kids Read story time for kids 4 and up 10:00am – 10:30am
Have fun with money! The session includes a story, activity and take home items.
Clayton County Library
865 Battle Creek Rd
Jonesboro, GA 30236

GOOOAAL! for Teens 1:00pm – 2:30pm
Beat the clock & your opponent as you test your money smart skills in this interactive Financial Soccer Game.
Clayton County Library Computer Lab
865 Battle Creek Rd
Jonesboro, GA 30236

Monday, April 20
Street Credit for Teens 5:30pm – 7:30pm
Students will learn a simple system to manage money and begin to establish smart money habits in a fun way.
Clayton County Library
865 Battle Creek Rd
Jonesboro, GA 30236

Tuesday, April 21
Managing Student Debt 12:00pm – 2:00pm
This event will feature a speaker who will take the audience through useful steps of how to manage student loans.
Atlanta Technical College Library
1560 Metropolitan Parkway SW
Atlanta, GA 30310

Sandwich Generation: Children, Retirement, & Aging Parents 6:30pm – 8:30pm
Financial security workshop at Zoo Atlanta to talk about Taking Care of Children, Saving for Retirement, & Taking Care of Aging Parents.
Zoo Atlanta
800 Cherokee Ave, SE
Atlanta, GA 30315

Thursday, April 23
Getting Wise About Your Budget 7:00pm – 8:00pm
In this session the students will learn how to create a spending plan, discuss spending attitude and behavior and how to save for the future.
Clayton County Library
865 Battle Creek Rd
Jonesboro, GA 30236

Friday, April 24
Money Smart Week Twitter Chat 12:00pm – 1:00pm
#CashChat Twitter Chat, hosted by @MsMadamMoney, is excited to have guest @MoneySmartGA to chat about being Money Smart. This is a Free online educational opportunity via Twitter or

July Featured Resource: World News Digest

World News Digest is an archival record of domestic and international news, covering all major political, social and economic events since November 1940.


  • Ahead in Time and Back in Time links for complete chronological chain of events
  • Timelines of top stories
  • Key background information: primary source documents, profiles of newsmakers, countries, and issues
  • Searchable news feed, updated hourly
  • Statistics: health & vital statistics; consumer information; nations of the world; U.S. facts & history; U.S. cities, states & population; sports; personalities, arts & media
  • Newspaper editorials and editorial cartoons with discussion questions


Money Smart Week wrap-up

Scavenger Hunt WideMoney Smart Week might be over, but it’s not too late to enter the Money Smart Week Scavenger Hunt and win $500. Click the image or go here: to learn more.


And if you’re still hungry for some Money Smart resources, check out these two sites with information on all aspects of personal money management to get you off on the right track:

CNN Money 101: A step by step guide to gaining control of your financial life. Consumer guide for young adults with tips and resources for making financial decisions (from the Georgia Governor’s Office of Consumer Protection) *